Contractors All Risks Insurance

Don’t leave your construction business exposed

As a contractor, you face higher risks than many other businesses due to the nature of your work, which often involves tasks like working at heights, heat-related activities and machinery operation. Unlike Public Liability or Professional Indemnity, Contractors All Risks (CAR) Insurance is specifically designed for your sector, providing wide-ranging cover for greater peace of mind.

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Why Choose Us

We take time to get to know your business

In the building industry, having the right insurance coverage is crucial to prevent unexpected challenges during claims. Our experienced commercial insurance advisors are here to guide you through the process, matching you with a suitable insurance solution to help safeguard your business against unforeseen events.

Independent and impartial advice

At QMT Commercial, as an independent insurance broker, we are free from ties to any single provider. This independence empowers us to deliver impartial advice and access a diverse array of insurers, ensuring we can help secure the most suitable policies for your business requirements.

Finding you a great deal

Over the last 25 years, we have built excellent relationships with a wide variety of insurers and wholesale brokers, meaning we can bring you some great deals on your business insurance, some of which you won’t find on price comparison sites.

Feel at ease knowing you’re insured

We can’t predict the future, but we can be prepared should something unfortunate happen. Our experienced advisors would be delighted to perform a free audit of your business insurance arrangements to help identify and address the gaps in cover.

UK Regulated by the FCA

As a commercial insurance broker, QMT Commercial are regulated by the Financial Conduct Authority (FCA), meaning that there is a strict code of practice we must abide by to ensure consumers are treated fairly at every stage of the financial services we help to arrange.

Customers are our top priority

QMT Commercial prides itself on its commitment to delivering excellent customer service. Our UK-based insurance advisors and support team are here to ensure your insurance needs are handled with precision and care, ready to assist you with any questions throughout the year.

Don’t just take our word for it

When choosing a new insurance broker, you’ll want to hear about the experiences of other customers before you make your decision. Why not head over to our Trustpilot page to see for yourself why so many clients choose us for their business insurance, year after year.

What are the main features of a Contractors All Risks Insurance Policy?

A Contractors All Risk (CAR) policy is highly beneficial to any construction project, whether it's a new build, repair or renovation. This insurance not only helps to shield your business against potential claims but can also protect your reputation and clients. CAR coverage can often be a contractual necessity or a requirement from professional organisations, enhancing your credibility and fostering customer trust.

Main Features

Can be taken out to cover a single project or be set up on an annual basis, providing year-round cover. Annual policies can include Employer’s Liability and Public Liability.
Can cover accidental physical loss or damage to property insured during construction works.
Can cover your team including sub-contractors.
Can include high risk business activities that are typically not covered by standard liability products.
Can protect against claims of negligence and damage/injury to third parties and/or their property.
Can include cover for equipment/tool failure, theft and damage, whether this is own plant, hired-in plant or employee’s tools.
Covers core insurance risks such as fire, malicious damage, theft, storm and floods.
Can be taken out in joint names (e.g. the contractor and employer, depending on the requirements of the contract).
Can include legal advice, defence and compensation awarded to the claimant where required.

Contractors All Risks Insurance